Business Insurance

You have invested time, energy and money into every aspect of your business. You’ve developed excellent products or services, and have built a great team to help you deliver them. Now it’s important to protect your hard work by finding the right insurance package for your business. At Godwin Insurance Agency, we understand how much your business means to you, and we believe you deserve the personalized attention of a dedicated agent; one who understands your individual needs, and works with you to protect your business and your employees. You’ll get our expert advice at every stage, from discussing your insurance options in detail on your first visit, to any claims you may need to file, when we stand behind the policies we sell. When you have questions or need help, we want to be the one you call.

Godwin Insurance Agency offers the following insurance options for businesses.

• Worker’s Compensation Insurance Worker’s compensation insurance covers employees who are injured in accidents while at work. It covers the employee’s medical bills, and pays for their lost work time. A worker’s compensation policy is required by the state of North Carolina for most businesses, based on a minimum number of employees.
• Business Property Insurance Property insurance protects your valuable business assets from loss or damage. This often includes the location of the business as well as its physical contents.
• General Liability Insurance This is the broadest category of liability insurance available. While it is not mandatory, it is strongly recommended, and is one of the most basic types of coverage for a business to have. A general liability policy is required to purchase excess liability.
• Business Auto Insurance Company vehicles must be insured in much the same way that personal vehicles are. It is a good idea to discuss your options with a professional to determine the needed coverage and find the best rates. Also, it is a good idea to list all of your employees who may have access to the vehicle on the insurance policy for company vehicles.
• Excess Liability Insurance An excess liability policy provides additional protection if your business exceeds the insurance limits available on your general liability policy. This adds an additional layer of protection to your existing policy.
• Professional Liability Insurance A professional liability policy is recommended for businesses with professional exposure, primarily those that give advice such as insurance agents and realtors in the event of negligence claims made by clients.
• Bonds Godwin offers a wide variety of bonds. Our business insurance specialists will be happy to consult with you on the best type of bond for your business.
• Group Benefits Offering a good benefits package to your employees can help you attract the best possible team members. However, there are a lot of options available for group health & dental packages, and premiums can vary considerably depending on your individual situation. Call to discuss the best options for you and your team.
• Disability Insurance Disability insurance covers income lost due to illness or injury, and pays for a partial replacement of income.

Call us today at 336-379-8640 to learn more about any of these options, and discuss your business needs with one of our agents.